I know on Carnival we got ship board credit, which ended up being a check back to us at the end of the cruise. carnival even adjusted the price within 30 days of sailing date.
On our upcoming HAL cruise we have gotten a $600.00 dollar refund to date. Our TA has done all the work for us!!.
If you are with 90 days (I think it is 90 days)on most lines you will not get all of your money back.
BTW Welcome aboard!!